Home Insurance in Peosta, Iowa
With a median home value of $336,000, Peosta is 42% higher than the Dubuque County median.
The typical home in Peosta was built around 2006. About 2% of homes were built before 1960, about 35 points below Dubuque County's 37%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Peosta is 89% single-family homes and 3% apartments in buildings with 5+ units.
In Peosta, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Peosta has an owner-occupancy rate of 88% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
86% of homes in Peosta are primarily heated with natural gas.
What's the biggest home insurance risk near Peosta? FEMA's National Risk Index points to hail (Relatively Moderate) in Dubuque County and Dubuque County had 93 active NFIP flood policies as of September 2026. See the full Dubuque County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $336,000 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Dubuque County | 93 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)